bigger problem are the number of people affected who don't have flood insurance. generally, fewer people in the northeast and mid-atlantic buy flood insurance than those in hurricane-battered areas like the gulf coast region. just last year, across the entire state of new jersey, only 230,000 households have bought flood protection, about 6.5% of homes in thetate. in the state of new york, it's only 164,000, just 2% of the total homes. the numbers have increased since last year, but experts say the number of policies still aren't enough. >> you saw that the storm came way inland, and it hit in parts of pennsylvania and into ohio. we certainly have seen what that kind of devastation, what those heavy rains can do, and flooding certainly occurs as a result of these kinds of storms. so, yes, we expect that these people that were not mandated to have flood coverage will actually have flood damage. >> reporter: but even uninsured flood victims could get some help. they could be eligible for fema grants of up to $30,000.